In my state, they fully-tax HSAs. Like, for every $1000 you pay into your HSA, you pay $93 in income tax. And then once it is in there, you have to pay capital gains anytime you earn dividends or make money selling investments (like stocks). Since I’m not maxing out my Roth TSP or 401K, I don’t contribute any money to…

That depends on where you live. In my state, you still have to pay taxes on HSAs and they count as income when you withdraw the money in retirement, so 401ks and IRAs can be better for a lot of savers if they’re not maxing both out, especially Roth accounts.

I don’t think they’re perfect, but they work very well if you use them correctly. Like, let’s say you need to pay $3000 for braces. You put the money in there, use it by the end of the year, and you just saved yourself over $1000 in income taxes. You can also roll-over $500, so you can safely store a bit of money for…

There is nothing wrong with FSAs. Employers offer them because they are a benefit that many employees make good use of.

Yeah, that makes complete sense. I try to keep about 1-2 months of spending in my checking account and about 2 months of expenses in my money market account at all times, just in case I need a lot of cash, fast.

This is not how 401k loans work. You’re loaning money to yourself. You’re paying yourself interest on the principle.

Just FYI, you’re allowed to withdraw the principle from a Roth account any time you want with no tax penalty (and without paying any additional taxes on the money) and you can take out a tax-free loan on your balance from a non-Roth account at any time to pay for a down payment.

NM

There is no penalty for withdrawing the principle from a Roth 401k or IRA nor is there a penalty for taking out a loan on your non-Roth account to provide cash for a down-payment.

It is functionally different than a savings account because a savings account earns very little interest and that interest is taxable. A Roth 401K or IRA grows tax-free and when you do withdraw it at maturity, there are no additional taxes on it.

There is no penalty for withdrawing your principle from a Roth account.

If you choose a Roth account, you can take out the principle at any time without any penalty. 

Because if you don’t use the money, it stays tax-advantaged.

This is incorrect. There is no penalty for taking a loan out to pay for a down payment.

I feel that an IRA or 401K could be the best place to keep it. If you hit the maximum contribution to both, then put it in a brokerage account. 

Wasn’t Star Fox made by a British studio? Anyway, I think most foreign characters in Nintendo games during that era were Japanese stereotypes of foreign cultures. I don’t think Nintendo meant to imply that Italian Americans were chubby, mustachioed drug users that would risk their lives for a piece of ass when they…

The biggest effect just tends to be socialization. People naturally want to fit in and their views tend to change to what is socially acceptable within a community. The social pressures at a liberal university are likely to be a lot different than the social pressures in the military or a Wall Street firm or a…

I can speak only for California, but the process should be similar to elsewhere. There are a lot of steps before you actually talk to a judge, which usually doesn’t happen until the trial, and you won’t get to that point if you don’t follow the steps before that.

I mean, that was only part of the reason. The constitution actually left it up to the states how to select electors. Most of the states eventually decided to hold a popular vote and award the winner the entire bloc of electors, who were bound either by law or party affiliation, to the winner of the popular vote.

I disagree. The electoral college was radically populist for the time and ended up being the compromise that was needed to found the world’s first democracy based on enlightenment ideals.